Guide · Citi
Convert Citi statements to Excel, CSV or QuickBooks®
Download your Citi statements, drop them into Pennyrow, and get every transaction as a clean spreadsheet, with a check that each statement adds up. Free. Your statements are read inside your browser; we never upload, receive, see or store them.
Step 1: download your statements from Citi
- Log in to Citi Online at citi.com.
- Open Statements for the account.
- Under recent statements, pick the date, choose PDF and click Download.
- For older statements, request the year and month, then download it once it shows as ready.
Citi's help pages don't describe the app steps. The website steps work in a phone browser too.
The last 12 months can be downloaded right away. Older statements, up to 7 years, can be requested online and are ready in 48 to 72 hours.
Transaction downloads
Citi also lets you download transactions as a file. Pennyrow reads CSV, OFX and QFX files:
- Quicken and other formats: The statements page has a format menu next to PDF.
PDF statements are usually the better choice for catching up a year: each one has opening and closing balances, so Pennyrow can check every month adds up.
Good to know
- A requested older statement can be downloaded for only 7 days, so save it as soon as it's ready.
- Only statements issued after you registered the account for Citi Online show up right away.
- Citi's step-by-step guides show an older site layout, so the labels may differ a little.
- Commercial and corporate cards use the separate CitiManager site.
Checked October 13, 2026 against Citi's help pages: www.citi.com/CRD/PDF/Request_previous_statements_PDF.pdf, www.citi.com/CRD/PDF/Transactions_Statements_Tutorial_Final.pdf, www.cardbenefits.citi.com/en/Products/Paperless-Statements. Banks move menus around; if a step has changed, the help page has the current one.
Step 2: drop them into Pennyrow
- Open Pennyrow and choose your files, or drag them in. A whole year at once is fine, and you can mix Citi with your other banks and cards.
- Each statement gets a balance check: opening balance plus money in, minus money out, should equal the closing balance. You see "✓ Balanced", or which row is off and by how much.
- Catch-up checks look across all your files: missing months, statements that don't follow on from the last one, the same transaction in two files, and transfers between your own accounts (including card payments) so they aren't counted twice.
- Export: Excel (.xlsx), CSV, a QuickBooks Online bank CSV, a QuickBooks Desktop .iif file, or OFX.
If a Citi statement doesn't read right
- Pennyrow reads statement layouts with general rules, not a Citi-specific template, and it hasn't been tried on every Citi layout. The balance check is how you know: if a statement doesn't balance, Pennyrow shows the row that's off so you can fix it.
- Scanned or photographed statements can't be read (there's no OCR). Download the PDF from Citi's site instead of scanning a paper copy.
- Password-protected PDFs open with your own password, used only in that tab.
- If a layout keeps failing, tell @minsoesantun which Citi account type it was. Please don't send the statement itself.
Questions
Is it free?
Yes. Converting statements, the catch-up checks and every export are free.
Does my Citi statement get uploaded?
No. The converter page is locked so it can't make network requests, and it works with Wi-Fi off once it's open. Here's how to check that yourself.
Do I need to sign in to Citi through Pennyrow?
No, and you never should. You download the statements yourself; Pennyrow never asks for a bank login.
Does it make a .qbo (Web Connect) file?
Not yet. For QuickBooks Online use the bank CSV export; for QuickBooks Desktop use the .iif export.
Other banks and cards
Any bank or card with text PDF, CSV, OFX or QFX statements can work; these guides cover where to download them.